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    Financial - Capital Markets
COG Financial Services Limited

COG Financial Services Limited

COG.AX
COG Financial Services LimitedAU flagAustralian Securities Exchange
1.46
AUD
- -
- -
311.38MMarket Cap
COG Financial Services Limited
COG.AX
(Australian Securities Exchange)

Recent

price

1.46

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
-0.03
0.02
0.83
0.52
0.2
0.29
0.32
0.45
0.82
0.99
0.87
1
1
1.15
1.64
1
Revenue per Share
-0.19
0.75
-0.02
-0.03
0.14
0.25
0.28
0.04
0.04
0.03
-0.07
-0.16
0.11
0.04
0.07
0.09
Basic EPS, GAAP
-0.38
0.01
0.08
0.05
0.03
- -
0.01
0.06
-0.46
-0.4
-0.23
-0.02
-0.04
-0.06
-0.06
-0.03
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
0.02
0.03
0.03
0.04
0.09
0.13
0.13
0.15
0.13
Dividend per Share
0.23
1.15
2.2
2.12
0.88
1.08
1.03
1.49
1.04
1.04
1.02
0.8
0.88
0.85
0.87
0.87
Book Value per Share
0.23
1.16
0.57
0.75
1.44
1.79
1.77
0.66
0.37
0.3
0.34
0.44
0.33
0.16
0.31
0.14
Tangible Book Value per Share
12
14
19
20
25
32
50
94
132
134
147
162
180
189
193
200
Basic Weighted Avg Shares
- -
- -
16
11
5
9
16
42
108
133
129
162
180
218
316
200
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
14
7
- -
- -
- -
2
6
7
10
11
12
15
18
18
Depreciation Expense
-2
10
- -
-1
4
8
14
4
5
4
-10
-26
20
8
13
19
Net Income, GAAP
- -
- -
- -
- -
9.36
3.62
0.47
36.83
26.94
29.27
- -
- -
26.3
35.98
33.03
28.11
Effective Tax Rate (%)
731.75
2,997.68
-2.29
-5.58
72.62
84.39
88.59
8.51
4.45
3.24
-7.81
-16.32
10.96
3.69
4.07
9.39
Profit Margin (%)
3
16
10
9
3
17
- -
30
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
3
3
- -
- -
- -
12
37
60
50
41
46
78
245
142
LT Debt
3
16
20
21
37
57
89
185
194
199
192
190
208
214
236
207
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-60.05
111.61
-1.25
-1.4
11.2
27.67
32.97
3.71
3.46
3.1
-6.95
-18.89
13.71
5.04
7.81
11
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.79%
1.78%
-12.59%
Free Cash Flow
-45.4%
4.67%
-44.48%
Net Income, GAAP
-26.74%
6.9%
46.1%
Sales/Revenue/Turnover
47.85%
13.26%
-36.65%
Total Cash Common Dividend
- -
47.01%
-8.12%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
218
2024
- -
- -
- -
- -
316
2025
- -
- -
- -
- -
200

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.04
2024
- -
- -
- -
- -
0.07
2025
- -
- -
- -
- -
0.09

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.13
2024
- -
- -
- -
- -
0.15
2025
- -
- -
- -
- -
0.13
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Business
COG Financial Services Limited is an Australian finance broker aggregator and equipment leasing company serving small to medium-sized enterprises (SMEs). The company operates through multiple segments including Finance Broking and Aggregation, Novated Leasing, Asset Management and Lending, and intersegment activities. It provides aggregation services to independent brokers and investments in broker entities, representing over A$4.5 billion per annum of Net Asset Finance. Its product and service offerings include equipment finance broking; originating new chattel mortgage products; novated leasing and salary packaging services for government and private sector clients; insurance broking; investment fund management; and financing arrangements for commercial customers' essential business assets. The company also operates wholly owned subsidiaries including TL Commercial Finance Pty Limited and Platform Finance, which supports brokers outside of asset finance. Founded in 2002 and headquartered in Chatswood, New South Wales, COG Financial Services has grown to become Australia’s largest asset finance broking group, leveraging a broad network of over 8,500 accredited brokers. In recent developments, COG has continued expanding its broker network and integration of technology platforms, including investment in the COG Connect broker platform. It has reported record net assets financed reaching $8.9 billion for the fiscal year 2024, a 16% increase over the prior year, driven by organic growth and acquisitions. In 2025, the company acquired an additional 14.1% stake in Fleet Network Pty Ltd, bringing total ownership to 92.4%, further consolidating its market position. COG also emphasizes cybersecurity and innovation in its strategic focus, aiming to consolidate fragmented broker markets and expand in-house product offerings. COG Financial Services operates primarily within the Australian market and targets SMEs across diverse industry sectors needing equipment finance, leasing, and related financial services. The company was formerly known as Consolidated Operations Group Limited until its rebranding in November 2020. It employs approximately 2,000 personnel and functions as a publicly listed entity on the Australian Securities Exchange under the ticker COG. Its business model combines finance broking, aggregation, lending solutions, and leasing to deliver comprehensive financial services to SMEs and brokers, reinforcing its leadership position in the sector.